You NAILED it! As I was reading what you said, some things that I have trouble explaining were more clearly explained. It was a WOW moment to read this and I agree wholeheartedly.
I wish I could say that I tell my therapist everything and solutions to getting past this stuck feeling just flow freely, but they don't. I guess I hold back with telling my therapist things for me to have a sense of controlling the outcome of the session. Not good, I know. But I feel I conceal more feelings at home than when I am with my therapist. (So a plus in a way.) My parents have this picture of who I am...their hero and a miracle, which I don't like, but I feel if they knew how I really felt it would hurt them. And although I have some obstacles to get over from the accident, they also have memories which cause them pain.....like them walking into an ICU room where their daughter/sister is lying in a coma not knowing if she will wake up. My younger brother told me what it was like for him when I got hit, as he was missed by 10 feet, and I balled and told him how sorry I was. I guess I don't want my parents/brothers to get hurt anymore....another way of me trying to control things...so I just smile and laugh.
Also, I started seeing this therapist under unusual terms, at least to me....I felt this "stuck" feeling and I was driving recklessly, which scared me, so I started to go see a therapist....which eventually led me to the therapist I am seeing now. But because I hide my true feelings, not on purpose really. I feel that my therapist feels things are OK with me. I am alittle scared what her response will be.....and I guess I am more open in this manner (chatting online) because I do not see your face.
I guess how would I even bring the topic of PTSD up in the session?

You are AWESOME with your powers of reading people and understanding them! Cherrios